Having a lodger requires homeowners to assess their level of cover says Halifax

The household insurance specialist, the Halifax is warning homeowners that have a lodger that they may need to assess the level of cover required on their property.

A senior representative from the company has recommended that household insurance policyholders need to get reliable references from the lodger so you know that the person living in our property is trust worthy.

Having a lodger stay at your home can be a fantastic way to get extra income that can help out running your home, but it is recommended that you get more advice from your home insurance company before you commit. This change in circumstance can affect your policy and could make it void in the event of a claim, so make sure you inform your insurer.

Under most home insurance policies the lodger will not be protected for their possessions, they will need to take out their own insurance policy.

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